Hyundai Sonata Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Mar 31, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
How much does a Hyundai Sonata cost to insure? The average annual cost for Hyundai Sonata insurance is $1,426 a year, or $118 a month. Read our guide to learn what drivers can do to save on Hyundai Sonatas, whether its 2016 or 2015 Hyundai Sonata insurance rates.
Enter your ZIP code in our free tool above to get started on finding the best Hyundai Sonata insurance costs.
Average auto insurance rates for a Hyundai Sonata are $1,404 annually with full coverage. Comprehensive costs around $260, collision costs $494, and liability coverage costs $470. A liability-only policy costs as little as $536 a year, with high-risk insurance costing around $3,046. Teen drivers receive the highest rates at $5,394 a year or more.
Average premium for full coverage: $1,404
Rate estimates for individual coverage type:
Prices include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all U.S. states and for different Sonata trim levels.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range go from as cheap as $536 for just liability coverage to a much higher rate of $3,046 for a high-risk driver policy.
Price Range by Location
Your location has a large influence on insurance rates. Areas with sparse population tend to have fewer collision claims than larger metro areas.
The price range example below illustrates how where you live affects auto insurance rates.
These examples demonstrate why anyone shopping for car insurance should compare rates for a specific zip code and their own personal driving habits, rather than using price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Detailed Rate Analysis
The chart below details estimated Hyundai Sonata insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $817
- Drivers who choose higher $1,000 deductibles will pay about $170 annually
- The estimated rate for a 40-year-old driver using $500 deductibles is $1,404
- Choosing more expensive low deductibles for comprehensive and collision insurance will cost $1,738
- High-risk insureds with multiple violations and an at-fault accident could pay at least $3,046 or more
- The cost with full coverage for a teenage driver with full coverage can be $5,394 a year
Insurance rates for a Hyundai Sonata can also vary considerably based on the trim level of your Sonata, your driving record, and deductibles and policy limits.
An older driver with a clean driving record and high physical damage deductibles may only pay around $1,300 per year on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they can expect to pay as much as $5,300 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you may be forking out at least $1,700 to $2,300 extra per year, depending on your age. High-risk driver insurance can cost around 43% to 135% more than average. View High Risk Driver Rates
Choosing high deductibles could save up to $510 a year, while increasing your policy's liability limits will increase rates. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $423 more per year. View Rates by Deductible or Liability Limit
Where you live makes a big difference in Hyundai Sonata insurance rates. A 40-year-old driver could pay as low as $1,010 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,900 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,266 | -$138 | -9.8% |
| Alaska | $1,078 | -$326 | -23.2% |
| Arizona | $1,166 | -$238 | -17.0% |
| Arkansas | $1,404 | -$0 | 0.0% |
| California | $1,600 | $196 | 14.0% |
| Colorado | $1,340 | -$64 | -4.6% |
| Connecticut | $1,444 | $40 | 2.8% |
| Delaware | $1,590 | $186 | 13.2% |
| Florida | $1,756 | $352 | 25.1% |
| Georgia | $1,296 | -$108 | -7.7% |
| Hawaii | $1,008 | -$396 | -28.2% |
| Idaho | $952 | -$452 | -32.2% |
| Illinois | $1,044 | -$360 | -25.6% |
| Indiana | $1,058 | -$346 | -24.6% |
| Iowa | $948 | -$456 | -32.5% |
| Kansas | $1,332 | -$72 | -5.1% |
| Kentucky | $1,914 | $510 | 36.3% |
| Louisiana | $2,078 | $674 | 48.0% |
| Maine | $868 | -$536 | -38.2% |
| Maryland | $1,158 | -$246 | -17.5% |
| Massachusetts | $1,122 | -$282 | -20.1% |
| Michigan | $2,436 | $1,032 | 73.5% |
| Minnesota | $1,176 | -$228 | -16.2% |
| Mississippi | $1,684 | $280 | 19.9% |
| Missouri | $1,246 | -$158 | -11.3% |
| Montana | $1,510 | $106 | 7.5% |
| Nebraska | $1,106 | -$298 | -21.2% |
| Nevada | $1,686 | $282 | 20.1% |
| New Hampshire | $1,012 | -$392 | -27.9% |
| New Jersey | $1,570 | $166 | 11.8% |
| New Mexico | $1,242 | -$162 | -11.5% |
| New York | $1,480 | $76 | 5.4% |
| North Carolina | $808 | -$596 | -42.5% |
| North Dakota | $1,148 | -$256 | -18.2% |
| Ohio | $970 | -$434 | -30.9% |
| Oklahoma | $1,440 | $36 | 2.6% |
| Oregon | $1,286 | -$118 | -8.4% |
| Pennsylvania | $1,338 | -$66 | -4.7% |
| Rhode Island | $1,874 | $470 | 33.5% |
| South Carolina | $1,274 | -$130 | -9.3% |
| South Dakota | $1,186 | -$218 | -15.5% |
| Tennessee | $1,228 | -$176 | -12.5% |
| Texas | $1,692 | $288 | 20.5% |
| Utah | $1,038 | -$366 | -26.1% |
| Vermont | $962 | -$442 | -31.5% |
| Virginia | $840 | -$564 | -40.2% |
| Washington | $1,082 | -$322 | -22.9% |
| West Virginia | $1,288 | -$116 | -8.3% |
| Wisconsin | $972 | -$432 | -30.8% |
| Wyoming | $1,250 | -$154 | -11.0% |
With so much variability in rates, the best way to find out your exact price is to compare rates and see how they stack up. Every company uses a different rate calculation, so the rates can be significantly different between companies.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Hyundai Sonata GLS 4-Dr Sedan | $1,364 | $114 |
| Hyundai Sonata GLS 4-Dr Sedan | $1,364 | $114 |
| Hyundai Sonata GLS 4-Dr Sedan | $1,364 | $114 |
| Hyundai Sonata SE 4-Dr Sedan | $1,446 | $121 |
| Hyundai Sonata SE 4-Dr Sedan | $1,446 | $121 |
| Hyundai Sonata Limited 4-Dr Sedan | $1,486 | $124 |
| Hyundai Sonata Limited 4-Dr Sedan | $1,486 | $124 |
Rates assume 2023 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Hyundai Sonata | $270 | $506 | $450 | $1,406 |
| 2023 Hyundai Sonata | $260 | $494 | $470 | $1,404 |
| 2022 Hyundai Sonata | $250 | $474 | $486 | $1,390 |
| 2021 Hyundai Sonata | $238 | $458 | $500 | $1,376 |
| 2020 Hyundai Sonata | $228 | $424 | $510 | $1,342 |
| 2019 Hyundai Sonata | $218 | $400 | $514 | $1,312 |
| 2018 Hyundai Sonata | $210 | $358 | $520 | $1,268 |
| 2017 Hyundai Sonata | $196 | $330 | $520 | $1,226 |
| 2016 Hyundai Sonata | $190 | $310 | $524 | $1,204 |
| 2015 Hyundai Sonata | $184 | $288 | $534 | $1,186 |
| 2014 Hyundai Sonata | $172 | $268 | $534 | $1,154 |
| 2013 Hyundai Sonata | $166 | $244 | $540 | $1,130 |
| 2012 Hyundai Sonata | $156 | $222 | $534 | $1,092 |
| 2011 Hyundai Sonata | $146 | $202 | $534 | $1,062 |
| 2010 Hyundai Sonata | $142 | $182 | $530 | $1,034 |
| 2009 Hyundai Sonata | $140 | $178 | $520 | $1,018 |
| 2008 Hyundai Sonata | $136 | $168 | $510 | $994 |
| 2007 Hyundai Sonata | $126 | $160 | $504 | $970 |
| 2006 Hyundai Sonata | $120 | $152 | $500 | $952 |
Rates are averaged for all Hyundai Sonata models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy the Right Hyundai Sonata Insurance
Saving money on auto insurance not only requires avoiding accidents and violations, but also having a good credit history, eliminating unnecessary coverage, and insuring your home and auto with the same company. Take the time to comparison shop every time your policy renews by requesting rates from direct companies like Progressive and GEICO, and also from local exclusive and independent agents.
The list below is a quick rundown of the information touched on in the above illustrations.
- You may be able to save up to $170 per year simply by shopping early and online
- Teenagers pay higher rates, with premiums as much as $450 per month including comprehensive and collision insurance
- Increasing deductibles could save up to $500 each year
- Drivers with reckless driving or DUI convictions may pay on average $1,640 more every year for car insurance
- Consumers who may need higher liability limits will pay about $520 every year to go from a minimum limit to higher 250/500 limits
Quotes will help you save on Hyundai Sonatas, regardless of whether you’re searching for 2012, 2009, or 2006 Hyundai Sonata trim levels or the cheapest Hyundai 2016 rates.
To find out what is the insurance cost of a Hyundai Sonata, enter your ZIP code in our free tool below.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
What are the safety ratings of the Hyundai Sonata?
The Hyundai Sonata has some great safety features that can help reduce rates, such as brake assist, electronic stability control, traction control, lane departure warning, and lane-keeping assist. However, Hyundai Sonatas that are old may not have as many safety features.
The Insurance Institute for Highway Safety (IIHS) gave the Hyundai Sonata a 2020 Top Safety Pick award for its crash test ratings (below).
- Small overlap front (driver-side): Good
- Small overlap front (passenger-side): Good
- Moderate overlap front: Good
- Side: Good
- Roof strength: Good
- Head restraints and seats: Good
Good is the highest rating. The video below shows how the IIHS tested the Hyundai Sonata.
Hyundai Sonata Compared Against Other Vehicles in the Same Class
How much for a Hyundai Sonata liability insurance plan? This will partly depend on the liability insurance losses. The Hyundai Sonata is a midsize car, and the IIHS found that in comparison to other midsize cars, the Hyundai Sonata’s liability losses are substantially worse than average.
To understand just how much Hyundai Sonata’s insurance rates differ from other midsize car’s rates, take a look at the midsize cars below.
Frequently Asked Questions
- Are Hyundai Sonata expensive to repair? According to RepairPal, “The average total annual cost for repairs and maintenance on a Hyundai Sonata is $458, compared to an average of $526 for midsize cars and $652 for all vehicle models.”
- How much is a fully loaded Hyundai Sonata? It would cost you $33,300.
Remember to shop around for Hyundai Sonata insurance rates to save on everything from Hyundai Sonata costs for a 2015 model to Hyundai gap claims. Enter your ZIP code in our free tool to get started.
References
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,394 |
| 20 | $3,258 |
| 30 | $1,454 |
| 40 | $1,404 |
| 50 | $1,284 |
| 60 | $1,262 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,738 |
| $250 | $1,584 |
| $500 | $1,404 |
| $1,000 | $1,234 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,404 |
| 50/100 | $1,580 |
| 100/300 | $1,698 |
| 250/500 | $2,003 |
| 100 CSL | $1,627 |
| 300 CSL | $1,886 |
| 500 CSL | $2,074 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,672 |
| 20 | $5,188 |
| 30 | $3,102 |
| 40 | $3,046 |
| 50 | $2,910 |
| 60 | $2,884 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $73 |
| Multi-vehicle | $75 |
| Homeowner | $22 |
| 5-yr Accident Free | $100 |
| 5-yr Claim Free | $90 |
| Paid in Full/EFT | $61 |
| Advance Quote | $68 |
| Online Quote | $98 |
| Total Discounts | $587 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area
